Glens Falls, NY · Cert 7074 · Arrow Financial Corp.
National charter · OCC · 38 branches
Q2 2026
Market Position · Glens Falls, NY · 2026 SOD (annual) · 60.4% share · #1 of 10 inst. · $2.4B of $4.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.75% | 0.85% | 0.58% | 0.79% | 0.91% | 1.00% | 1.22% | 1.11% | +31 bps | |
| Return on Equity | 8.78% | 9.74% | 6.34% | 8.61% | 9.87% | 10.74% | 12.53% | 11.47% | +286 bps | |
| Net Interest Margin | 2.57% | 2.59% | 2.92% | 2.97% | 3.00% | 2.99% | 3.30% | 3.30% | +32 bps | |
| Efficiency Ratio | 71.89% | 68.14% | 66.53% | 64.86% | 62.87% | 61.82% | 59.76% | 60.50% | -436 bps | |
| Non-Interest Burden | 1.59% | 1.50% | 1.70% | 1.68% | 1.62% | 1.57% | 1.66% | 1.69% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.45% | 31.16% | 29.77% | 32.48% | 30.23% | 2.95% | 1.36% | 1.16% | -3,132 bps | |
| Loan Growth (YoY) | 0.80% | 43.24% | 43.75% | 43.53% | 45.47% | 1.72% | 0.65% | 2.10% | -4,143 bps | |
| Deposit Growth (YoY) | 8.01% | 30.41% | 30.47% | 33.49% | 31.50% | 2.92% | 1.17% | -6.46% | -3,995 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.85% | 0.61% | 0.56% | 0.18% | 0.18% | 0.24% | 0.13% | 0.24% | +6 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.08% | 0.10% | 0.29% | 0.23% | 0.19% | 0.09% | 0.09% | -21 bps | |
| Allowance / Loans | 0.90% | 0.99% | 1.11% | 1.00% | 0.99% | 0.99% | 0.99% | 1.03% | +4 bps | |
| Allowance Coverage of NPLs | 1.1x | 1.6x | 2.0x | 5.5x | 5.4x | 4.1x | 7.7x | 4.4x | -1.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.75% | 9.22% | 9.24% | 9.26% | 9.24% | 9.26% | 9.62% | 9.33% | +6 bps | |
| Total Risk-Based Capital | 13.94% | 13.99% | 14.00% | 14.02% | 14.31% | 14.27% | 14.53% | 13.87% | -15 bps | |
| Equity / Assets | 8.33% | 9.33% | 9.11% | 9.27% | 9.08% | 9.71% | 9.72% | 9.50% | +23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.88% | 88.67% | 86.11% | 87.15% | 83.94% | 87.64% | 85.66% | 95.12% | +797 bps | |
| Liquid Assets / Assets | 9.86% | 5.24% | 8.24% | 6.77% | 9.05% | 5.70% | 7.15% | 4.96% | -180 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 208% | 206% | 199.65% | n/a | n/a | |